How it Works?

Fill out the simple form here on and your application will be distributed across our wide network of loan providers. Loan amounts granted range from $100 to $5,000 (precise loan amounts can be different among lenders based on the programs they offer and where you live). You may have a response from a lender the same day, sometimes in minutes. Should your loan get lender approval, you may be referred to the lender’s website where you can examine the terms of the loan and information relating to rates and fees. Upon acceptance of the loan terms, the lender will credit the loan directly into your designated bank account. This can occur the next business day. Most loan providers need the following info to approve a request:

The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. is not a lender and does not make loan or credit decisions. connects interested persons with a lender from its network of approved lenders. does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, 's service is always free to you.
This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to , you are giving lenders in 's network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus such as Teletrack or DP Bureau.
Lender's Disclosure of Terms.
The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender's internal policies, underwriting criteria and applicable law. has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments. Lenders are required to follow the Fair Debt Collections Practices Act and related state law when collecting money from you.